California

Today's California (CA) Mortgage Rates


GROW Mortgages
NMLS # 856168
3.750% APR
3.750% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,157.79

NEXT  

eRates Mortgage
NMLS # 1071
State Lic # 4130675
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

E-Click Lending
NMLS # 227765
State Lic # CA-DOC#413 1112
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Watermark Home Loans
NMLS # 1838
State Lic # CFL Lic 603J352
3.750% APR
3.750% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,157.79

NEXT  

ConsumerDirect Mortgage, a division of First Bank
NMLS # 790396
State Lic # CFL Lic 603J352
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Lenda, Inc.
NMLS # 991397
State Lic # 01926580
3.879% APR
3.875% RATE
0 Points
30 day lock
Fees: $132
Monthly Payment
$1,175.59

NEXT  

Rescom Financial Services, Inc
NMLS # 226471
State Lic # 01854569
3.926% APR
3.875% RATE
0 Points
30 day lock
Fees: $1,558
Monthly Payment
$1,175.59

NEXT  

HomePlus Mortgage
NMLS # 78669
State Lic # 01426454
3.995% APR
3.990% RATE
0 Points
30 day lock
Fees: $165
Monthly Payment
$1,192.10

NEXT  

First Mortgage Direct
NMLS # 244476
State Lic # 41DBO-51145
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Flagstar Bank
NMLS # 417490
State Lic # 41DBO-51145
3.990% APR
3.990% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,192.10

NEXT  

Ally Bank
NMLS # 181005
State Lic # 41DBO-51145
3.904% APR
3.875% RATE
0 Points
45 day lock
Fees: $865
Monthly Payment
$1,175.59

NEXT  

OneWest Bank, a Division of CIT Bank, N.A.
NMLS # 541760
State Lic # 41DBO-51145
3.913% APR
3.875% RATE
0 Points
30 day lock
Fees: $1,162
Monthly Payment
$1,175.59

NEXT  

LoanLock
NMLS # 237507
State Lic # 603J071
3.750% APR
3.750% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,157.79

NEXT  

JG Wentworth Home Lending
NMLS # 2925
State Lic # 4131109
4.260% APR
4.250% RATE
0 Points
45 day lock
Fees: $299
Monthly Payment
$1,229.85

NEXT  

Optimum First Mortgage
NMLS # 240415
State Lic # 01525044
3.766% APR
3.750% RATE
0 Points
30 day lock
Fees: $477
Monthly Payment
$1,157.79

NEXT  

Sebonic Financial
NMLS # 66247 Cardinal Financial
State Lic # 603K498
3.686% APR
3.625% RATE
0 Points
30 day lock
Fees: $1,862
Monthly Payment
$1,140.13

NEXT  

Northpointe Bank
NMLS # 447490
State Lic # 603K498
3.751% APR
3.750% RATE
0 Points
30 day lock
Fees: $25
Monthly Payment
$1,157.79

NEXT  

Rates were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. APR and Payment examples shown do not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included.


California (CA) Mortgage Rates & Mortgage Loan Data – Prior Year

  • Loan originated: 9,066,158
  • Loan purchased by the institution: 3,620,944
  • Application denied by financial institution: 3,167,678
  • Application withdrawn by applicant: 1,812,082
  • Application approved but not accepted: 1,082,347
  • File closed for incompleteness: 642,937
  • Preapproval request denied by financial institution: 3,422
  • Preapproval request approved but not accepted: 461

  • Refinancing: 12,358,905
  • Home purchase: 6,223,388
  • Home improvement: 813,736

  • Conventional: 16,194,646
  • FHA-insured: 2,538,755
  • VA-guaranteed: 601,562
  • FSA/RHS-guaranteed: 61,066

  • White: 11,198,803
  • Information not provided by applicant in mail, Internet, or telephone application: 2,913,413
  • Asian: 2,426,874
  • Not applicable: 1,894,479
  • Black or African American: 577,700
  • American Indian or Alaska Native: 214,427
  • Native Hawaiian or Other Pacific Islander: 170,333

  • Not Hispanic or Latino: 11,577,749
  • Hispanic or Latino: 3,264,566
  • Information not provided by applicant in mail, Internet, or telephone application: 2,651,285
  • Not applicable: 1,902,429

  • Male: 11,462,721
  • Female: 4,593,438
  • Not applicable: 1,896,217
  • Information not provided by applicant in mail, Internet, or telephone application: 1,443,653

  • Department of Housing and Urban Development: 6,633,809
  • Consumer Financial Protection Bureau: 4,561,171
  • Office of the Comptroller of the Currency: 4,078,756
  • Office of Thrift Supervision: 1,777,959
  • Federal Reserve System: 933,552
  • National Credit Union Administration: 783,022
  • Federal Deposit Insurance Corporation: 627,760

  • Los Angeles County: 4,191,385
  • San Diego County: 1,725,357
  • Orange County: 1,664,293
  • Riverside County: 1,368,149
  • Santa Clara County: 1,118,435
  • San Bernardino County: 1,091,957
  • Alameda County: 911,799
  • Sacramento County: 832,022
  • Contra Costa County: 751,829
  • Ventura County: 466,309
  • San Mateo County: 423,264
  • Kern County: 378,499
  • Fresno County: 378,327
  • San Joaquin County: 355,956
  • San Francisco County: 348,138
  • Placer County: 283,067
  • Sonoma County: 277,450
  • Stanislaus County: 254,100
  • Solano County: 252,608
  • Santa Barbara County: 178,383
  • Tulare County: 169,463
  • Marin County: 167,766
  • San Luis Obispo County: 163,976
  • Monterey County: 161,455
  • El Dorado County: 143,603
  • Santa Cruz County: 134,268
  • Merced County: 104,591
  • Yolo County: 98,793
  • Butte County: 97,652
  • Shasta County: 89,378
  • Napa County: 75,347
  • Nevada County: 73,568
  • Madera County: 63,919
  • Imperial County: 58,702
  • Kings County: 53,579
  • Unknown: 49,891
  • Humboldt County: 45,937
  • Sutter County: 42,278
  • Yuba County: 37,886
  • Calaveras County: 35,298
  • Lake County: 31,970
  • Tuolumne County: 31,650
  • San Benito County: 29,749
  • Mendocino County: 29,358
  • Tehama County: 26,661
  • Amador County: 22,150
  • Siskiyou County: 16,902
  • Plumas County: 13,238
  • Mono County: 12,377
  • Lassen County: 12,058
  • Glenn County: 9,536
  • Mariposa County: 8,960
  • Del Norte County: 8,514
  • Colusa County: 8,119
  • Inyo County: 5,849
  • Trinity County: 4,719
  • Modoc County: 2,662
  • Sierra County: 1,661
  • Alpine County: 1,219

  • Los Angeles, Long Beach, Glendale – CA: 4,189,464
  • Riverside, San Bernardino, Ontario – CA: 2,457,823
  • San Diego, Carlsbad, San Marcos – CA: 1,420,405
  • Santa Ana, Anaheim, Irvine – CA: 1,391,312
  • Oakland, Fremont, Hayward – CA: 1,380,426
  • San Jose, Sunnyvale, Santa Clara – CA: 1,147,872
  • Sacramento, Arden-Arcade, Roseville – CA: 1,102,565
  • San Francisco, San Mateo, Redwood City – CA: 799,522
  • Oxnard, Thousand Oaks, Ventura – CA: 465,565
  • Unknown: 464,815
  • Fresno – CA: 378,229
  • San Diego, Carlsbad – CA: 303,607
  • Stockton – CA: 289,479
  • Oakland, Hayward, Berkeley – CA: 282,678
  • Anaheim, Santa Ana, Irvine – CA: 272,280
  • Modesto – CA: 253,980
  • Sacramento, Roseville, Arden-Arcade – CA: 253,667
  • Vallejo, Fairfield – CA: 252,464
  • Bakersfield – CA: 239,423
  • Santa Rosa, Petaluma – CA: 230,747
  • Visalia, Porterville – CA: 169,398
  • Salinas – CA: 161,389
  • Santa Barbara, Santa Maria, Goleta – CA: 146,853
  • Bakersfield, Delano – CA: 137,158
  • San Luis Obispo, Paso Robles – CA: 135,378
  • Santa Cruz, Watsonville – CA: 134,242
  • San Francisco, Redwood City, South San Francisco – CA: 113,404
  • Merced – CA: 104,533
  • Chico – CA: 97,599
  • Redding – CA: 89,344
  • Yuba City – CA: 80,097
  • Napa – CA: 75,301
  • Stockton, Lodi – CA: 66,318
  • El Centro – CA: 58,666
  • Hanford, Corcoran – CA: 53,548
  • Santa Rosa – CA: 46,623
  • Madera – CA: 33,430
  • Santa Maria, Santa Barbara – CA: 31,423
  • Madera, Chowchilla – CA: 30,429
  • San Luis Obispo, Paso Robles, Arroyo Grande – CA: 28,514
  • San Rafael – CA: 26,059

  • Unknown: 16,957,760
  • Debt-to-income ratio: 601,057
  • Collateral: 513,048
  • Credit history: 375,299
  • Other: 365,028
  • Credit application incomplete: 333,366
  • Unverifiable information: 160,448
  • Insufficient cash (downpayment, closing costs): 54,673
  • Employment history: 30,729
  • Mortgage insurance denied: 4,621

  • Not a HOEPA loan: 19,395,169
  • HOEPA loan: 860

  • Secured by a first lien: 14,866,313
  • Not applicable: 3,620,944
  • Secured by a subordinate lien: 796,985
  • Not secured by a lien: 111,787

  • Owner-occupied as a principal dwelling: 17,044,733
  • Not owner-occupied as a principal dwelling: 2,218,907
  • Not applicable: 132,389

  • One-to-four family dwelling (other than manufactured housing): 19,083,783
  • Manufactured housing: 192,265
  • Multifamily dwelling: 119,981

  • Loan was not originated or was not sold in calendar year covered by register: 9,506,802
  • Fannie Mae (FNMA): 3,426,297
  • Freddie Mac (FHLMC): 1,758,950
  • Ginnie Mae (GNMA): 1,211,903
  • Affiliate institution: 949,187
  • Commercial bank, savings bank or savings association: 922,141
  • Other type of purchaser: 757,562
  • Life insurance company, credit union, mortgage bank, or finance company: 660,535
  • Private securitization: 202,422
  • Farmer Mac (FAMC): 230